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With regard to health care, I'll share my approach. I am 61, and thus a few years short of Medicare. Prior to my wife's passing in 2018, I had been on her corporate coverage for 30+ years. Then, I suddenly needed health care coverage on my own.

The cheapest Bronze plan I could get would be $13,000/year just for the premiums; followed of course by deductible, co-pays, etc. My income is too high for an ACA subsidy. So I joined a health sharing organization, which you can learn about by googling "health share ministries".

I am very healthy - I have several doctor appointments a year (all of the check-up variety) and just one prescription. So this worked for me. Full disclosure - there are MANY things health share ministries do not cover, so one has to be quite healthy. For me, I consider it catastrophic coverage. I just completed my first year under health sharing. I paid a bit over $3,000 in premiums and another $1,000 or so for appointments and a number of labs. So on the whole, I believe I saved at least $10,000.

Should I develop some major health issue, I could/might - come open season - sign up for full ACA coverage.
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